Written By Todays Homeowner Local Pros
Last Updated May 2023
Are you considering getting a home warranty? Check out one of our top home warranty companies. Storm Lake gives homeowners some great neighborhoods and the opportunity to enjoy the seasons. However, the variable temperatures can do a number on your home's systems, such as your HVAC.
A home warranty is a way to protect your budget from unexpected large expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind. Because the home warranty market has many providers — all with different plans — the Today's Homeowner team decided to do the research for you to help you find the best home warranty in Storm Lake.
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
In Storm Lake, Choice Home Warranty is the best overall home warranty. Choice has more than 15 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. Choice offers 2 plans for homeowners to choose from. When you buy a policy from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are an affordable $85.
Read our full review of Choice Home Warranty to learn more. To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty for Storm Lake residents. Select is a home warranty provider with 11 years of experience in the industry, and it has become one of the best providers in the business. When you buy a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 simple plans, making the selection process and policy coverage easily comprehensible.
Select Home Warranty offers 3 plans for Storm Lake homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Select's service fees are a reasonable $60, and the coverage caps come out to around $2,000 for each covered appliance or system.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read our review of Select Home Warranty to learn more.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield is the most customizable home warranty for Storm Lake residents. AHS is a home warranty company with 26 years of experience in the industry, and it has proved to be one of the best providers in the business. The 3 plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a home warranty from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that offer a mix of system and appliance coverage. The coverage caps associated with AHS's plans are around the $2,500 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To read more, visit our review of American Home Shield. To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service in Storm Lake. HSC has been on the market for more than 15 years, making it a respected company in the industry. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 home warranty plans that HSC offers include options for appliance and system coverage.
The Home Service Club offers 2 plans for Storm Lake homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Storm Lake area.
For a more detailed breakdown, read our review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
In Storm Lake, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been operating for around 6 years, making it a highly regarded company in the industry. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For a more detailed breakdown, read our full review of Liberty Home Guard.
Total Home Guard
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty offers the best home warranty for appliance coverage in Storm Lake. First American has been operating for about 39 years, making it a well-respected company in the industry. If you're looking for very affordable and comprehensive appliance coverage, you'll want to have this plan on your side. Plus, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. First American has 2 simple plans, making the selection process easy.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. First American's service fees are a reasonable $85, and the coverage caps come out to around $1,500 per covered appliance or system.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read our review of First American Home Warranty to learn more.
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services offers the home warranty with the best workmanship guarantee in Storm Lake. Cinch has been in the home warranty industry for around 44 years. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also around $1,000-$2,000.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For more information on this provider, read our Cinch Home Services Review.
Built-in Systems Plan
Complete Home Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
|Home Appliance||Repair Cost|
A home warranty is a home protection plan that can help homeowners save money on appliance and system repairs and replacements. Our appliances and home systems are what make living in a Storm Lake home comfortable and convenient. When they start to break down, it can be pricey and a headache. Luckily, with a home warranty in place, an affordable repair is just a phone call away.
When you have a system or appliance that has an issue, you file a claim with your home warranty provider. You can do so online or by calling customer support, and then a contractor will come and fix the problem.
At this point, you'll also have to pay your service fee. Once the contractor fixes the problem, they will deal with it at no cost to you. The only time a Storm Lake homeowner may have to pay out-of-pocket costs is if the repair or replacement is above the item's coverage cap.
A home warranty plan will cover systems and appliances from normal wear. The appliances include a microwave, refrigerator, clothes dryer, dishwasher, stove, clothes washer, cooktop, and more. The systems included are the air conditioning, heating, plumbing, electrical, and others.
You can also optionally opt to pay extra for add-on coverage for items like spas, swimming pools, roof warranty, and septic systems.
A home warranty will only protect against normal wear and tear on your home systems and appliances. Things such as misuse, cosmetic damages, lack of maintenance, and pre-existing conditions are not included in the home warranty policy.
Storm Lake's cold winters can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty can cover your home's appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the repairs, preventing you from spending a lot of money out of pocket.
In addition, having a home warranty can save you some time by getting rid of the need to research contractors — most companies will send a trusted professional right to your door to do the necessary repair or replacement.
There are also some drawbacks to buying a home warranty plan, such as the coverage exclusions. For instance, home warranties may not cover home systems or appliances that are already covered by a manufacturer's warranty.
Another thing to take into consideration is that some companies don't cover pre-existing damage and may require an inspection before your coverage can start. Ask the home warranty provider for clarification about these things if you need more information or if this is an issue for you.
After looking into the basics of home warranties in Storm Lake, the next step is to determine which company you'd like to get a free quote from. Below is a list of factors that you'll want to take into account when selecting a home warranty provider:
The best overall home warranty company in Storm Lake is Choice Home Warranty, but the best company for you will depend on factors like what appliances and systems you need to have covered.
A home warranty is a contract that covers repairing and replacing major home systems and appliances.
A home warranty plan can help home sellers, homebuyers, homeowners, investors, and real estate agents. It can offer peace of mind to anyone involved in homeownership.
Owning a home can be costly, especially with the cost of living in Storm Lake getting higher and higher. When a system or appliance breaks down, it can leave homeowners unexpectedly having to pay a large amount of money to fix it. With a home warranty policy, you won't have any large hits to your bank account for home maintenance.
In general, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who has to pay the service fees when using the policy. In Storm Lake, where the median value of a home is $133,800, when the seller pays for the home warranty can be a good asset for your new home.
Most home warranty policies have a 30-day waiting period before you can file claims, but some may allow you to file sooner so make sure you check with the company about this.